SPEAKER 01 : 0:00

Welcome to The Good News with Angie Austin. Now, with The Good News, here’s Angie.

SPEAKER 05 : 0:09

Hello there, friend. Angie Austin and Jim Stovall with The Good News. And it doesn’t sound like good news, but we’re talking today about worry and concern that is the winner’s wisdom column this week. Welcome, Jim Stovall.

SPEAKER 03 : 0:23

Well, welcome to you, Angie. It’s always a privilege to be with you. It’s one of the high points of my week, I have to say.

SPEAKER 05 : 0:28

Oh, my gosh, me too. No, you always cheer me up. And it’s perfect that we often talk on a Monday. And it’s just like, I don’t know, you’ve really I mean, I think I told you many years ago, I was thinking about quitting my radio show. And now that I’m in my like 14th year, I think 13th or 14th year of doing this. I talked to you early on at least a decade, if not more ago, and I said, yeah, I’m thinking about quitting. And you were like, I do interviews every day, and you’re one of the best interviewers I’ve ever talked to, and I think you should keep doing this. And I put my hand on the Bible that I think I’m still doing this show because of you.

SPEAKER 03 : 1:00

Well, I meant it then and I mean it now. I mean, there are very few people in your industry that are as good as you. And I think because you’re genuinely curious and you genuinely care. And that’s more rare than it should be, unfortunately.

SPEAKER 05 : 1:17

Yeah, I do love talking to people, and it’s interesting. I find myself being a journalist in general because when I talk to kids that my kids are going to school with, I start kind of interviewing them. And it’s not like on purpose, but I like to ask about, you know, their plans and what they’re doing and what they find interesting which classes they enjoy you know what their dreams are what they’re passionate about and uh and then when i’m done i’m like they probably think i’m interviewing them but it’s just kind of like my curiosity and interest in other people and and what they want to do and my dad used to kind of do that he wasn’t a journalist he was a professor but um i would see him talk to young people in his when he was in his 80s and usually young people don’t sit around and talk to dudes in their 80s because you know if you’re between like 10 and 25, you’re kind of off doing stuff with your own people, but he kind of had an affinity for young people, and he used to ask them a lot of questions, too, and they seemed to really enjoy his company and vice versa, and I feel like I maybe got a little bit of that from him. I don’t know. I just enjoy… Talking to kids that kind of have their whole life in front of them, and I think you’re a similar person. I know a lot of people talk to you and ask for your advice and call you, write you, email you, and you put your number and all your info in over 60 books, so you’ve got a lot of people contacting you.

SPEAKER 03 : 2:40

Yeah, and I really enjoy all of them. I’m a little like Will Rogers, who’s the subject of one of my books and movies. I never met anyone I didn’t like. Now there’s some things about some of them that aren’t my favorite, but Gandhi said everyone is my superior and that I can learn something from them. Oh, I like that. I just think there’s just value in everybody.

SPEAKER 05 : 3:09

You know, my stepmom today, you know, they had that big storm in the Midwest and big pileups and this, that, and the other. And she and my dad had lived kind of like hermits. You know, they liked to have their own place. And when you’d enter the property, it’s several, many acres on a bluff overlooking the Mississippi River, kind of isolated. You can’t even see the house. There’s so much. So many walnut trees and so much growth, but they had like they changed the gate, you know, so you’d have to go to undo the padlock and undo all the chains and blah, blah, blah, and then go up this big hill. Well, in Minnesota, a big hill in the winter for a widow, you know, she’s by herself now. is quite something to tackle because of the snow. And so to get up that hill, she has to get it plowed. Well, she sent me a video, and the plow guy in a four-wheel drive Jeep couldn’t get up the hill. And then she sent me another one and said he had to go home, and then she thought he’d come back with chains. And she said… People are so nice. She said, I ran into his wife when I went in for surgery. She was a nurse, and I said, I cannot thank your husband enough. He really rescues me, and I’m able to get out of my home because he comes and plows, and I don’t know what I would do without him. She said, don’t you worry. If anything happens to my husband, I’ll send my sons. She said, people are so kind. And I thought, wow, this this little family looking out for my stepmom in the middle of nowhere, you know, always coming through for her year after year, even when it’s not easy to get up that hill. And I’m sure it’s not that much money to drive way out there to plow, you know, a long driveway up a hill. But I don’t know, just she just said how and I wrote back to her. I said, there’s some really great people in the world. And I think sometimes we don’t see it until like there’s a need for something, you know, and then people come out of the woodwork and really do want to help you.

SPEAKER 03 : 4:53

Oh, absolutely. And you mentioned the walnut trees. Brings back one of my favorite memories. When I was still in college, I was developing some land on a lake in far northeast Oklahoma, up in the Ozark Hills up there. And I was about to go broke, Angie. I mean, I had to come up with some cash quick. And I’m walking down the road of my property one day, and a guy drives by and says, you own that property? I said, yeah, me and the bank. And he said, I’ll give you $2,500 for that tree. I said, which tree? And he showed me, and it was one I was going to have to clear anyway. And I said, you bought a tree. And he said, I’ll check around. I may want some more. So I had a neighbor down there, a very elderly guy, lived in an original log cabin that had been there 100 years. And I went down, and I said, Mr. Osborne, I’ve got to ask you a question. A man just paid me $2,500 cash money for a tree. He said, well, son, you just sold him a walnut tree. And he said, you know what they look like? And I said, no, I don’t. And he described it to me. And he said, yeah, that’s a fair price for those trees. And he told me that. And I got saved by walnut trees. God bless America. I had a ton of those things and had to clear them anyway. So, you know, what a blessing. How many did you sell? Oh, 50. 50? Oh, my gosh.

SPEAKER 05 : 6:21

You know, she actually told me, my stepmom, that she said, you know, there’s a lot of money in walnut trees on the land. And I personally would like to see the Mississippi River, not the trees, right? I mean, don’t get me wrong. I love trees. They’re so beautiful. And my husband wanted to cut some on our rental property where my son lives. And he goes, no, please, Dad, I love that tree so much. Please don’t, because you can see the mountains if you trimmed it or, you know, cut it down. And I agreed. And he said, but, Dad, it gets so hot. Like, don’t, you know, cut it. But to see the Mississippi River, I would trim out some walnut trees.

SPEAKER 03 : 6:51

Oh, yeah. And do they live north of St. Louis, above St. Louis on the river?

SPEAKER 05 : 6:55

They are in Winona, Minnesota. So, yes, that would be.

SPEAKER 03 : 6:59

Oh, way up there. Yeah, yeah, yeah. Where the river is not nearly as big as it. That’s true.

SPEAKER 05 : 7:06

That’s true. It sure is pretty. It sure is pretty.

SPEAKER 03 : 7:09

Just read an amazing book written a number of years ago called Mississippi Solo about a guy that canoes all the way down the Mississippi River. Oh, wow. Minnesota to New Orleans. And it’s just amazing. He’d never done anything like that before. African-American young man. And he did it during a time… you know, a number of years ago, and wow, it was quite an experience. And just the whole river, and I’ve been studying it. I have a Mark Twain book that will be out next year, and the people in Hannibal there on the river, where the museum is, they’re writing the foreword to the book for me. So it’s a lot of my Twain research about that.

SPEAKER 05 : 7:53

That’s pretty cool. All right. I used to canoe there with my dad and my brothers. I remember we used to portage it and have to, yeah, because it was the four guys and myself. Yeah, we did a lot of like outdoorsy things where, you know, there was no concession given to the girl, you know. I had a Barbie backpack that I had my dad carry once because I was getting so tired. And he’s like, you’re going to feel terrible if your old man has a heart attack carrying this Barbie backpack for you. I’m like, I’ll give it back, you know. Fine, I’ll carry my Barbie bag. And then we had like one can of tuna left. We had to split like five ways. I’m like, oh, gosh, this is supposed to be fun. Okay, whatever you say. But good memories for sure. All right, well, let’s get into worry and concern. I want to make sure we cover this.

SPEAKER 03 : 8:37

Well, Angie, we only have so much brain capacity. We don’t use it all, but even if we did, there’s a limit to it. And, you know, we all have things that confront us, and you can get caught up in worry and concern. And I separate the two. Worry are things I cannot do anything about. Is my ballgame going to get rained down? Is the stock market going to go down? Is there going to be a war in the Middle East? I cannot do anything about that. Now, I can figure out what do I want to do if my ballgame gets rained out, or I can diversify my portfolio in case the market goes down, or give money to causes that support victims of war in foreign lands. I can do that. But worry, you know, we need to separate the two. Concern are things I can do things about, and that’s where we need to focus. You know, we need to quit wasting time worrying about things we can’t do anything about and concern ourselves with the things where we can do something because otherwise, you know, you just fret about things that you have no control over at all.

SPEAKER 05 : 9:41

You know, it’s so interesting you say that because we did something recently when Grandma and Grandpa were here, and we went over all the info about words of wisdom. And so Grandpa typed all his up, and then I had my three, like, tips. Grandpa had about eight, and this first one was funny because it was do not gamble. But my husband’s number one was – We waste so much time worrying about things that will never come to fruition or that really won’t matter today, tomorrow, a year from now, and it’s just such a waste of our energy. And I think that’s a great point you put, you know, worry and concern about actually putting your energy into things that you can change.

SPEAKER 03 : 10:27

Yeah, I read a book not long ago, some essays by a 17th century pope, and he came up with what he called a Tuesday box. And when you’re a pope, I guess you’ve got a lot of stuff to worry about. Well, people kept bringing him stuff, and he said, I would write it down, and I would put it in the Tuesday box. And just, you know, and then five, six days later, whenever it was Tuesday, I would open up the box and I would look at all these things I was supposed to be worrying about. And he said, you know, most of them didn’t even matter anymore. The thing solved itself where there’s nothing I can do about it anyway. And, you know, it just… To be able to release things you can’t do anything about is one of the most important things. This column was particularly interesting to me because I’ve been writing columns for 30 years. For the first 20, I dictated them all to Dorothy. Then the last 10 years, I’ve dictated everything to Beth. Beth’s getting ready to retire and go off into the sunset and do some fun things she wants to do. She’s going to be with me in the next year and then be available when I need her, but You know, I got to thinking, who is going to type my columns and my books? And then I was telling Crystal about this. She said, well, have you forgotten how you started? And I said, no, I haven’t. And she did everything for me for many years. And so this week’s column is brought to you courtesy of Ms. Crystal.

SPEAKER 05 : 11:54

Oh, so Crystal’s going to do it for you?

SPEAKER 03 : 11:56

Oh, for a little while until I figure out. You know, I may bring in one of my students or I don’t know. But, yeah, I think Crystal and I are going to do some stuff together. You know, it’s embarrassing. It takes me about 15 minutes a week to write my column. It’s not a big thing. And they come out almost as fast as I’m talking to you. Wow. And we have a lady that edits up in Minnesota, so I don’t worry about it. So, yeah, we do that. And, you know, so when I was worried about it, I got nothing but anxiety. When I got concerned, I got crystal and everybody around the world got this column. So, I mean, when you go from just worrying about something to what can I do about this? And if there’s something you can do, do it. If there’s not, let it go. And I highly recommend to everybody, look up the Serenity Prayer website.

SPEAKER 05 : 12:46

I just did. I just because I thought, you know, I used to go to my brother with take him to his AA meetings. And I’m like, Jim, this reminds me of that prayer from AA. So I looked it up. The serenity prayer. God grant me the serenity to accept the things I cannot change. Courage to change the things I can and wisdom to know the difference. Because these things for an addict are so powerful, these worries that they can drive them to drink. more or do drugs more or whatever. So the serenity prayer is supposed to give them peace. And it’s exactly what you’re talking about in the column. Accept the things you cannot change and have the courage to change the things you can and the wisdom to know the difference.

SPEAKER 03 : 13:25

Yeah, I have a tendency to, I have audios of that, and one of my favorite poems, Rudyard Kipling’s If, and a lot of those, and there are times I’ll just put it on repeat, and I’ll listen to that until whatever’s bothering me goes away. But the serenity prayer is really neat because it kind of cuts through it. Is this something I should release or do something about? And then I’m just praying for the wisdom to know the difference.

SPEAKER 05 : 13:53

Wow, I love it. JimStowell.com. Thank you, friend. Thank you.

SPEAKER 02 : 14:02

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SPEAKER 04 : 14:56

Sterling is listening to the mighty 670 KLT Denver.

SPEAKER 05 : 15:05

Hello, Angie Austin here with the good news. Well, the good news is we’re going to start off on a very positive note and talk about five things which I think will improve your life and mine. Five essential things to start doing for your happiness and personal growth today. Number one is start being a beginner again. And I like this idea of, you know, no matter our age, we can still like further our education, change our careers, like, you know, For instance, everyone in my family knows how to play chess, but I still don’t. I was always kind of like, nah, everybody’s better than I am already. Forget it. Or like even skiing. My kids want to try skiing because I never really took them skiing. We had a few injuries in the family. And so we just kind of skipped that part of growing up. Or my stepmom does Tai Chi. She teaches it whenever I’m in her class. I feel kind of like I’m not very good. But hey, why not just be a beginner again? It doesn’t matter your age. You can just go through the embarrassment of looking a little kooky from time to time and just go for it. And it’s hard. And that is number two. Start doing the hard stuff you’ve been putting off. I’ve been doing that lately because I kind of have like a little side hustle. It’s really just a side hustle kind of to – raise money for charity because I used to donate all of my stuff. Well, I have a lot of really nice handbags and a lot of really nice shoes. And so my son who is in the thrift business set me up with some accounts like Poshmark and Mercari and eBay. And then I could take pictures and multiple list items. And then rather than just donate a purse and, Like a coach purse or Gucci purse, like rather than donate them, I can sell them and then I can give the money to charity. And some of these I did pick up like at ARC. I did an auction. I got this really beautiful Gucci bag that still has the receipts in it and still has the tags on it. And it’s worth a lot of money. So rather than just donate it and somebody might buy it for 10 or 15 bucks. I’m going to go ahead and sell it, and then I can donate the money to charity. My favorite charity, of course, being ARC. My son works there, you know, too, and they just do such great work. And, you know, they work with my show. All right, number three, start embracing the discomfort. It’s worth it to you. You know, I’ve been doing that, cleaning out the closet, doing things I find really unpleasant. I don’t like cleaning. I don’t like organizing. But, boy, when you’re done, you just feel so fulfilled and so, like, I don’t know, just feel so good to not procrastinate. But gosh, I’m just I’m a born procrastinator when it comes to that stuff I find unpleasant. Number four, start consciously thinking better about yourself. You know, when I do these women’s retreats, I notice that a lot of women, when I have them turn in like their prayer requests, a lot of them have really poor self images. They really are hard on themselves. So I like the idea of, you know. consciously thinking better of yourself or writing yourself positive notes or in your prayer journal saying positive things to yourself. They say look in the mirror. That’s a little corny for me, but they say it works, that it really does change your mindset. Okay, another one. And these are things that will really improve the quality of your life. Number five, start taking short breaks away from your own issues. I know this is going to sound kind of odd, but I did this a lot after my brother was killed. I think I told you my brother, my oldest brother, was murdered many years ago, and I – gave myself, I would give myself a break from like the grieving or the sadness I felt about it or the anger I felt about it. So I would like in my mind say, okay, I’m going to put this, I’m going to take a break from the grief and I’m just going to give myself a break from my issues, my problems today. And I’m going to go about my day and have a positive, joyful day. And then I could revisit this grief tomorrow. So I kind of like have a filing habit, like image in my mind. And I put that uh grief uh the bad day kind of in the back of my brain filing cabinet so like okay i can deal with that again tomorrow but not today i’m going to take a break from it today so i like that idea of taking short breaks away from your own issue so again uh be a beginner again try some new things and be a beginner at some things maybe you’ve wanted to do but not had the guts to do number two start taking the hard start doing the hard stuff you’ve been putting off which can be all kinds of things for me cleaning my closet or cleaning in general start embracing the discomfort that’s worth it to you I like that one and then take a break from your issues you know give yourself like a break and start thinking more positively about yourself I like all of these All right, so we are changing gears now. If you are just joining us, this is Angie Austin with the good news. As the holiday season is kicking into high gear, scammers aren’t taking any time off. They’re cashing in on your goodwill. They’re not taking a break from scamming. Joining us is Jeff Lungelhofer, Chief Information Security Officer at Coinbase, to share the top red flags to watch for and how communities and you yourself can protect yourself this holiday season. Welcome, Jeff. Hey, thanks so much for having me, Angie. You’re welcome. You’re welcome. All right. So the two grandmas have been scammed a bit in the family. Right. But I have to tell you, I there have been a few when I send them to the kids and my husband all the time. I’ve got three kids and I’ll be like, I almost fell for this one. They’re so sophisticated now. So why is it particularly important to be aware of these scams online this time of year?

SPEAKER 04 : 20:17

Well, Angie, first of all, I love that you’re communicating with your family about this. We’re going to talk about that more as we go through here. But the holidays is a particularly unique time, right? It’s a time of caring. It’s a time of sharing and giving. And it’s also a time when some people can be a little bit lonely, and people’s guards might be down. And unfortunately, scammers know that, and they will exploit that to try and steal your hard-earned money.

SPEAKER 05 : 20:41

It’s mind blowing to me, too, because you think they might have some sympathy. One of my girlfriends has cancer and she’s bald right now. And somebody took over her account and it said so somebody tried to buy a car and I did. I called her and I said, hey, my son would love that car. And she goes, it’s a scam. It’s not my car. Well, someone actually did send money to this person and they already had a ticket to fly out to my girlfriend Jane’s house to get it. And I I wrote to the scammer and I said, oh, you’re doing thank you so much. I know you’re going through cancer treatments, Jane, and I feel such pain. You’re in so much pain and I feel for you. And they’re like, what do you want to buy? So there’s no sympathy. You know, there’s no sympathy.

SPEAKER 04 : 21:21

Yeah, it’s absolutely terrible. And you raise a really good point there about awareness and talking about it. And, again, Angie, I love that you’re communicating with your friends and family. Here’s a couple stats for you. Sixty percent of Americans either have been or will be targeted by scammers in 2025, like 60 percent. And here’s an even more alarming one. One in five victims who actually get scammed, who actually lose money to these criminals, doesn’t even report it. That is just crazy. They’re embarrassed. And that’s one of the reasons why Coinbase is a founding member of Tech Against Scams. We’re trying to break that stigma that people have, almost that shame that people feel. We need, as a society, to talk about this more and to work together to try and solve this problem.

SPEAKER 05 : 22:04

And, Jeff, why should they be embarrassed? Because these are sometimes the most giving people you know. They’re the ones that get scammed.

SPEAKER 04 : 22:11

Yeah, absolutely. Listen, Again, it’s the time of year. They’re getting offers that just sound really, really good, and they want to believe in people. There’s things you’ve got to look out for, unfortunately, in today’s world. If it’s too good to be true, it probably is too good to be true. Give us some of those red flags. Or something like that. Right, those red flags, exactly. Like if you’re on a dating app and that person is trying to like divert you over to Telegram or kind of get you off that platform and into another platform, huge red flag. And of course, Angie, as you know, like the biggest red flag of all is the, hey, I need you to send me some money. I have a great investment opportunity for you. I really need this for whatever reason. You know, any time you’re giving, lending, investing to someone that you particularly to somebody that, you know, or have just met or know online. I hate to say it. You’re probably going to lose that money. It’s probably a scam.

SPEAKER 05 : 23:04

Yeah. And whenever like a four star hottie general, like a really good looking general writes to me on Facebook and says, you’re perfect for me. Like, I’m like, bro, I’m not perfect for you. Like, I’ve been married for four years. I’m like a married Christian mom. Like, I’m not perfect for you. right to me. And it’s like, I know there are women out there that are falling for this. It’s so sad, Jeff.

SPEAKER 04 : 23:29

I have never had a gorgeous military person email me or reach out. So I’m feeling a little left out right now, a little bit, frankly. But again, I love that you’re educating yourself on this. I love that you’re educating your colleagues and your friends about it. You’re being very specific about, hey, here are the things that they may do. Here’s the levels of creativity that these people will use to target you. That education, Angie, is so important. Using trusted platforms like Coinbase, so important. And here’s a tip I want to make sure everybody hears on your program, Angie. If anyone calls you or texts you or, you know, sends you an email and they’re saying they’re from a financial institution and they’re talking to you and they’re pressuring you, they’re trying to get you to do something, take a breath. Take a step back from that situation. Hang up that phone, right? Go directly to that financial institution’s website. You call them. You establish a secure chat with them through their website. I really want to make sure when you’re communicating with someone online that you know that who you’re communicating with. That is such an important thing for people to keep in mind.

SPEAKER 05 : 24:34

That’s my number one tip I give my kids. You call them yourself. Don’t talk to them when they call you. What else can people do to protect themselves from scammers, Jeff?

SPEAKER 04 : 24:47

Yeah, I mean, you’ve already started the ball rolling, Angie, in a great way. Communication, talking around the dining room table. We’re running an initiative right now called our Scamberry Pie Initiative. We’re literally giving away real holiday pies to people, and under each slice is a scam awareness tip. Now, why are we doing that? Because we want those conversations happening around every dining room table. We want people to be talking about this problem because that is the only way that we can solve this, is everybody being aware, everyone talking about it, so they’re ready when inevitably that scammer reaches out to them.

SPEAKER 05 : 25:24

You know, I another new big one, Jeff, that I’m sure you know about is they write to you and you don’t have the number, of course, in your directory. And it says, like, do I know you or hey, do you want to do lunch or what’s going on? Why haven’t you texted me lately? And I just delete them immediately. But I know that, you know, a lot of people are like, oh, who is it? If they really know who you are, they’re going to say, hey, Jeff. i have uh it’s you know so and so remember me like they’re gonna know who you are not do you know me or whatever but that i it’s interesting like every month or so like some new scam starts that is you know just uh you know appalling and i agree with you when it comes to reporting these things that people are embarrassed and they shouldn’t be because the best of us can even get taken by these and i know i know i’m raising a generation of paranoid kids because I’ve worked in TV and radio news for 30 years. Like every time there’s a call that comes to the assignment desk, it’s like the worst case scenario, right? Like if a kid doesn’t show up for school, the kid’s probably been kidnapped or I’m always calling you to report a story on the worst day of your life. So I know I’m raising them in a paranoid manner. But now with AI and everything, I don’t think we can be too careful, Jeff.

SPEAKER 04 : 26:35

yeah you are a hundred percent right i mean that communication that you know and i wouldn’t say paranoid i would say aware you’re raising an aware family that knows these scams are happening and you’ve got to talk to your kids you’ve got to talk to your spouse you’ve got to talk to your parents your neighbors your friends like we need to be openly talking about this i mean again 60% of people, and I guarantee you, Angie, next year it’s going to be 70, 80. Those texts that you mentioned, I get dozens of those. It’s just constant. So everyone is a target. That includes you. That includes me. That includes every member of our family.

SPEAKER 05 : 27:10

Well, soon you’ll probably get a hottie, you know, Facebook message from a military person. So you’ll be in the crew as well. Hey, what else do you want us to know? And one more thing. How how does your company protect us or tell us what Coinbase does, why you’re so involved in this?

SPEAKER 04 : 27:26

Yeah, absolutely. So we are continuously out there just trying to spread the message about scams. That’s what this segment is all about, right? It’s us being out there communicating with not just customers of Coinbase, but just people everywhere. Because this is not a crypto problem. It’s not a Coinbase problem. It’s a problem for every person in the world, frankly, and certainly every American. And it’s a problem for any user of a financial services company. People, they will try and steal money any way that they can. So everyone needs to be aware that these scams are happening, and everyone needs to come into every situation with a healthy dose of skepticism. We don’t want to be rude, but we do want to come in and say, hey, do I know who I’m talking to? Do I know that you’re not an AI instance of somebody? Maybe you’re a deepfake. These are unfortunately the questions that we have to ask ourselves every single day.

SPEAKER 05 : 28:18

Yes. And I want to get on where we go for more info and teach your kids it’s okay to come across initially as rude. Don’t be afraid to protect yourself because you’re afraid that you’re not being polite enough.

SPEAKER 04 : 28:29

That’s right. That’s right. Well, you can get more information at techagainstscams.io or help.coinbase.com. We’ve got a ton of information there to help keep you safe this holiday season.

SPEAKER 05 : 28:38

Cool, Jeff. Thanks for all you’re doing to help protect us during the holidays. Appreciate it. Yeah, thanks so much for having me.

SPEAKER 04 : 28:44

I really appreciate you, Andy.

SPEAKER 01 : 28:45

Thank you for listening to The Good News with Angie Austin on AM670 KLTT.